Christopher Um
Commercial Casualty Analytics & Placement Consultant
- Role
- Commercial Casualty Analytics & Placement Consultant at USI Insurance Services
- Location
- Los Angeles, CA, US
- LinkedIn followers
- 500 followers
About Christopher Um
Provide expert technical support to clients and members of USI’s Commercial Lines Account Management and Sales Executive teams. Analyze, design, market, price and place casualty risks. Make fact-based recommendations to clients to solve their most complex insurance issues. Responsibilities:• Review client casualty program design, including risk financing, structure, coverage, limits, deductibles, retention, classification and pricing. Benchmark and make recommendations for improvement.• Assess and explain clients’ total cost of risk (TCOR). Assess and explain clients’ risk profile using analytical models and resources (i.e. Loss Forecasting, Accrual Studies, Collateral Analysis, Risk Retention Analysis, Program Comparisons, Cash Flow Modeling, Cost of Risk Allocation, and Stratifications).• Prepares and interprets casualty analytics and models. Work closely with USI claims and risk control team to assess and mitigate client risk.• Review clients\' data and existing insurance policies and make recommendations for improvement.• Assess clients’ contractual liabilities and alignment with their insurance policies and make recommendations for improvement.• Provide oversight and program design on wrap-up insurance programs (controlled insurance programs; CIPs) captive insurance programs, feasibility studies, risk financing, coverage, limits, retention, deductible and classifications. • Analyze, design and price client risks internally for use in policy placement and negotiation. May complete full pre-underwriting analysis.• Negotiate underwriting terms coverage and pricing with carrier underwriting partners on behalf of clients.• Review and understand client financial statements as part of placement preparation. • Develop strong business relationships with external carrier partners and internal Sales and Account Management teams.• Participate in the development of department policies on a national and local basis.• Provide guidance, coaching and development to Data Analytics team. Mentor and coach junior staff members.
Experience
Commercial Casualty Analytics & Placement Consultant
May 2023 — Present
Education
California State University, Northridge
Bachelor's Degree, Business Administration, Insurance and Financial Services
2011 — 2014
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